Cory,

The underlying systems problem turns out to be present in many/most of our information systems. We invent abstractions that represent something in the real world and we give the abstraction properties that the real world object possesses to make our processing "simpler". However, sooner or later we have to reconcile the abstraction with the real world and in doing so there are many opportunities to manipulate the system.

Money is useful as an exchange of value but money is not useful when we allow it generate more money with interest and capital gains. There is an old solution to the problem and it is with mutual benefit organisations where the community as a whole "owns the assets" while individuals have custody and responsibility for particular assets.

Here is an example of how to stop house price inflation and how to stop electricity prices going up as we switch to cheaper renewables. https://kevin-34708.medium.com/investing-in-community-infrastructure-21ea9e0f4fe1 These two examples show how to remove the cost of renting money by not renting it and using the savings to make investors and buyers better off.